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简述商业银行存款的原则。
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1999年10月，我国某网络公司甲与美国某计算机公司签订了进口100台计算机的买卖合同。合同约定：价格条件为每台 CIFINCOTERMS2000大连1000，美元，卖方应于1999年12月20日前交货；付款条件是买方在接到装船通知后，在货物装船30天期间内，由中国银行大连分行开立以卖方为受益人的不可撤销的即期信用证；卖方凭合同规定的各种单据，按信用证规定转议付行议付货款；信用证有效期延至装船后15天内，付款单据中须包括已装船的空白背书的清洁提单。 1999年11月20日，中国银行大连分行根据甲公司的指示开出了金额为100000美元的信用证，并委托纽约一家银行通知并议付此信用证。 1999年12月5日，乙公司将100台计算机装船后，持信用证所要求的提单、保险单、发票等票据，到议付行议付货款，该议付行经过审查，即付100000美元给乙公司。10天后，买卖双方得知运输货轮在航运途中遇到特大风浪而触礁，船身被撞穿一个大洞，海水进船，致计算机遭受水渍损失，主机全部受潮不能使用。与此同时，开证行已收到议付行寄来的全套单据，要求付款。甲公司以货物全部灭失为由指示开证行拒绝付款。 开证行能否以货物灭失为由免除其付款义务
周游与杨财、王昭、陆维三人合伙开办了一个合伙企业。由周游、杨财、王昭各出资5万元，陆维提供技术入伙，与周游、杨财、王昭平均分配盈余。四人办理了有关手续并租赁了房屋，但并未订立书面协议。半年后，杨财想把自己的一部分财产份额转让给丁雨，周游和王昭同意，但陆维不同意，并表示愿意受让杨财转让的那部分财产份额。因多数合伙人同意丁雨成为新的合伙人，陆维于是提出退伙，周游、杨财、王昭同意。此时，企业已对银行负债8万元。此后，企业经营状况持续恶化，半年后散伙，又负债6万元。根据案情回答下列问题： 陆维是否可以退伙为什么
2There are four basic types of competition in business that form a continuum from pure competition through monopolistic competition and oligopoly (商品应垄断) to monopo- ly. At one end of the continuum, pure competition results when every company has a simi lar product. Companies that deal in commodities such as wheat or corn are often involved in pure competition. In pure competition, it is often the ease and efficiency of distribution that influences purchase.In contrast, in monopolistic competition, several companies may compete for the sale of items that may be substituted. The classic example of monopolistic competition is coffee and tea. If the price of one is perceived as too high, consumers may begin to purchase the other. Coupons and other discounts (折扣) are often used as part of a marketing strategy to influence sales.Oligopoly occurs when a few companies dominate the sales of a product or service. For example, only five airline carriers control more than 70 percent of all ticket sales in the United States. In oligopoly, serious competition is not considered desirable because it would result in reduced revenue for every company in the group. Although price wars do occur, in which all companies offer substantial savings to customers, a somewhat similar tendency to raise prices simultaneously is also usual.Finally, monopoly occurs when only one firm sells the product. Some monopolies have been tolerated for producers of goods and services that have been considered basic or essen tial, including electricity and water. In these cases, it is government control, rather than competition, that protects and influences sales. What does the author mean by the statement "Although price wars do occur, in which all companies offer substantial savings to customers, a somewhat similar tendency to raise prices simultaneously is also usual .（）
革兰阳性粗大杆菌，芽胞椭圆，位于菌体次极端
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